Cooke County property record for 109 N Commerce St, Gainesville, TX 76240
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 850 sqft |
| Lot Size | 0.036 acres (1,559 sqft) |
| Owner | Company Name on File |
| Tax Bill | $3,937 (2026) |
| Deeds & Mortgages | Feb 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 2580-003-00001 |
| Primary APN | 2580-003-00001 |
|---|---|
| Alternative APN |
|
| Building Area | 850 sqft Total Area |
|---|---|
| Upper Floors Area | 425 sqft |
| Lot Area | 1,559 sqft (0.036 acres) |
|---|
| Account Number | 2580-003-00001 |
|---|---|
| Street Address | 109 N COMMERCE ST |
| City | GAINESVILLE |
| State | TX |
| Zip | 76240-3911 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | ORGINAL DONATION GV; BLOCK 3; LOT 1-2 PTS OF & S 12' OF 8; ACRES .0358 |
| Legal Subdivision | ORGINAL DONATION GV |
| Legal Block | 3 |
| Legal Lot Number | 1-2 |
| Jurisdiction | COOKE TX |
| Township / Civil Division | GAINESVILLE |
| Census Block Group | 2 |
| Census Block | 2101 |
| Census Tract | 400 |
109 N Commerce St, a commercial property, is owned by a company that acquired it in February 2026.
Source: Cooke County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 771, GAINESVILLE, TX 76241-0771 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 18, 2026 |
| Deed Sale | Feb 18, 2026 |
| Prior Sale | May 5, 2023 · Amount on File |
| Deed Document Number | 20261151 |
| Deed Book / Page | 2765 / 527 |
| Prior Transfer Date | Jan 11, 2023 |
| Prior Transfer Doc | 0000000408 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | COOKE TX |
| Recording Date | Feb 18, 2026 |
| Property Address | 109 N COMMERCE ST, GAINESVILLE, TX 76240-3911 |
| Document Number | 002765/527 |
| Book / Page | 2765 / 527 |
| Map Reference | VOL 2259 PG 297 |
| Instrument Date | Feb 17, 2026 |
| Instrument | 2026-1151 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Title Company | HOWETH TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 109 N COMMERCE ST, GAINESVILLE, TX 76240-3911 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 771, GAINESVILLE, TX 76241-0771 |
The 2026 property tax bill for 109 N Commerce St was $3,937, up % from the year before.
Source: Cooke County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Cooke County |
| Municipality | Gainesville City |
| Unified School District | Gainesville Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,937.00 (+0.03%) | $188,171 (-) Land $17,154 Building $171,017 | $188,171 (-) Land $17,154 Building $171,017 |
| 2025 | $3,936.00 (+27.96%) | $188,171 Land $17,154 Building $171,017 | $188,171 Land $17,154 Building $171,017 |
| 2024 | $3,076.00 | ||
| 2023 | $65,047 Land $13,645 Building $51,402 | $65,047 Land $13,645 Building $51,402 | |
| 2022 | $1,314.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 N Commerce St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2007.
Source: FEMA National Flood Hazard Layer, effective April 26, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (2007–2015) |
| Most Recent Claim | May 2015 · Severe Storms, Tornadoes, Straight-line Winds And Flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 109 N Commerce St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 94% of Texas |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF GAINESVILLE serves 18,107 people · EPA ID TX0490001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 336 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Nortex Communications Company Fiber | 2,000 / 2,000 |
| Optimum Cable | 940 / 35 |
| ElektraFi Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Element8, Nextlink, Verizon.
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